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Important Legal Notice
These Terms form a binding agreement between you and Wealtii. By using our platform, you agree to these terms and conditions. We encourage you to read them carefully - they outline how we protect your interests and what we expect from each other. If you do not agree, please do not use our services. Cryptocurrency investments carry substantial risk of loss.
1.1
Agreement to Terms
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Wealtii is currently in an early operational phase and is not yet legally regulated. These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", "your") and Wealtii ("Wealtii", "we", "us", "our", "the Operator", "the Platform"), governing your access to and use of the Wealtii platform, including all associated websites, applications, services, and tools (collectively, the "Services"). Wealtii is currently operated as an independent digital platform by its founder(s). The Operator intends to formalize the business structure through appropriate legal entity registration in due course. By accessing, registering for, or using any part of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. You further acknowledge that the Platform is in its early operational stage and that the Operator is working toward full regulatory compliance as the platform matures.
1.2
Acceptance of Terms
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Your use of the Services constitutes your acceptance of and agreement to all of the terms and conditions contained herein, as well as any additional terms, conditions, and policies referenced in these Terms or published on the Platform from time to time, including but not limited to our Privacy Policy, Cookie Policy, Anti-Money Laundering (AML) Policy, and any fee schedules. If you do not agree to these Terms, you must immediately cease all use of the Services and close your account.
1.3
Electronic Agreement
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By using the Services, you agree that these Terms are an electronic contract and that your electronic acceptance of these Terms (including via account registration, clicking "I Agree", or continued use of the Services) is legally binding. You waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature, delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
1.4
Supplementary Terms
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Certain features or services offered on or through the Platform may be subject to additional terms and conditions ("Supplementary Terms"). In such cases, the applicable Supplementary Terms will be presented to you before your use of such features or services. If there is a conflict between these Terms and any Supplementary Terms, the Supplementary Terms shall control with respect to the specific feature or service. The following documents are incorporated by reference and form an integral part of this Agreement: (a) Privacy Policy; (b) Cookie Policy; (c) Anti-Money Laundering (AML) Policy; (d) Risk Disclosure Statement; (e) Fee Schedule; (f) KYC Verification Policy.
1.5
Relationship of the Parties
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Nothing in these Terms shall be construed to create a joint venture, partnership, employment, or agency relationship between you and Wealtii. Wealtii does not act as your broker, intermediary, agent, financial advisor, or fiduciary in any capacity. All decisions regarding the purchase, sale, or holding of digital assets and index fund units are made solely by you. You are solely responsible for your investment decisions and should consult with qualified financial, legal, and tax advisors before engaging in any transactions on the Platform.
2.1
Minimum Age Requirement
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You must be at least eighteen (18) years of age, or the legal age of majority in your jurisdiction (whichever is greater), to access or use the Services. By accessing or using the Services, you represent and warrant that you meet this age requirement. We reserve the right to request proof of age at any time and to suspend or terminate accounts that do not meet this requirement. If you are under the age of 18 (or the applicable age of majority), you are strictly prohibited from accessing, using, or registering for the Services.
2.2
Legal Capacity
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You represent and warrant that you have the legal capacity, authority, and right to enter into these Terms and to use the Services in compliance with all applicable laws and regulations. If you are entering into these Terms on behalf of a legal entity (such as a company, corporation, partnership, trust, or other organization), you represent and warrant that: (a) you have the legal authority to bind such entity to these Terms; (b) the entity is duly organized and validly existing under the laws of its jurisdiction of incorporation or formation; and (c) the entity has all necessary corporate or organizational power and authority to enter into these Terms and to perform its obligations hereunder.
2.3
Regulatory Compliance
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You represent and warrant that your access to and use of the Services complies with all applicable laws, regulations, and rules in your jurisdiction of residence or domicile, including but not limited to: (a) securities laws and regulations; (b) tax laws and regulations; (c) anti-money laundering (AML) and counter-terrorism financing (CTF) laws; (d) foreign exchange control regulations; (e) data protection and privacy laws; and (f) any other applicable financial regulations. You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction, and you shall not use the Services for any purpose that is unlawful or prohibited by these Terms.
2.4
Verification Levels & Limits
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Wealtii implements a tiered verification system (Know Your Customer / KYC) that determines your access level and transaction limits on the Platform:
• Basic Verification (Level 1): Requires email verification only. Grants full access to deposit, purchase, sell, and withdraw functionality with a maximum aggregated limit of $10,000 USD per action category. Each action (deposit, purchase, sell, withdrawal) is tracked and aggregated individually - meaning you may deposit up to $10,000 total, purchase up to $10,000 total, sell up to $10,000 total, and withdraw up to $10,000 total.
• Intermediate Verification (Level 2): Requires a valid government-issued identification document (National ID or Driver's License) and a selfie holding the ID. Grants a daily transaction limit of $100,000 USD per action category. Each action (deposit, purchase, sell, withdrawal) is tracked individually with its own daily limit.
• Advanced Verification (Level 3): Requires passport verification and proof of address (utility bill, bank statement, or government letter dated within the last 3 months). Grants unlimited transaction capabilities with no daily or aggregate limits, access to premium features, and priority customer support.
You agree to provide accurate, current, and complete information during the verification process and to update such information to maintain its accuracy. Providing false, inaccurate, or misleading information may result in immediate account suspension or termination.
2.5
Sanctions & Restricted Persons
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You represent and warrant that you are not: (a) listed on any sanctions list maintained by the United States (OFAC SDN List), the European Union, the United Kingdom, the United Nations, or any other applicable governmental authority; (b) owned or controlled by, or acting on behalf of, any person or entity that is listed on any such sanctions list; (c) located in, organized under the laws of, or a resident or citizen of any country or territory that is the subject of comprehensive economic or trade sanctions; or (d) otherwise prohibited from using the Services under any applicable laws, regulations, or governmental orders. You agree to promptly notify Wealtii if you become subject to any of the foregoing restrictions during the term of this Agreement.
3.1
Account Creation
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To access certain features of the Services, you must create an account ("Account") by providing accurate, current, and complete information as prompted by the registration form. You agree to maintain and promptly update your account information to keep it accurate, current, and complete. Each individual or entity may only create and maintain one (1) account. The creation of multiple accounts by a single person or entity is strictly prohibited and may result in the immediate termination of all associated accounts.
3.2
Account Security
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You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your password, two-factor authentication (2FA) codes, and any other security mechanisms associated with your Account. You agree to: (a) create a strong, unique password that is not used for any other online service; (b) enable two-factor authentication (2FA) for your Account; (c) keep your credentials confidential and not share them with any third party; (d) immediately notify Wealtii of any unauthorized use of your Account or any other security breach; and (e) take all reasonable measures to protect your Account from unauthorized access. Wealtii shall not be liable for any loss or damage arising from your failure to comply with this section.
3.3
Account Responsibility
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You are fully responsible for all activities that occur under your Account, whether or not authorized by you. This includes, without limitation, all transactions, orders, communications, and data entered or transmitted through your Account. You agree to accept responsibility for all such activities and to indemnify Wealtii against any claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) arising from unauthorized use of your Account or any violation of these Terms attributable to your Account.
3.4
Accurate Information
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You warrant that all information provided during registration and subsequent use of the Services is true, accurate, current, and complete. You agree not to: (a) provide false or misleading personal information; (b) impersonate any person or entity; (c) misrepresent your identity, age, or affiliation with any person or entity; (d) use another person's Account without authorization; or (e) create an Account using automated means (bots, scripts, etc.). Wealtii reserves the right to verify the accuracy of the information you provide and to request additional documentation at any time.
3.5
Account Suspension & Restriction
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Wealtii reserves the right, in its sole discretion, to: (a) refuse to open an Account for any person or entity; (b) suspend or restrict your access to your Account or the Services; (c) limit the number or type of Accounts you may hold; (d) limit the volume or value of transactions you may conduct; or (e) impose any other conditions or restrictions on your Account that we deem necessary or appropriate. We may take such actions without prior notice if we reasonably believe that: (i) your Account is being used in connection with illegal activity or violation of these Terms; (ii) your Account security has been compromised; (iii) required by applicable law, regulation, or court order; or (iv) necessary to protect Wealtii, its users, or the integrity of the Platform.
4.1
Restricted Territories
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The Services are not available and shall not be used by persons or entities located in, incorporated or otherwise established in, or citizens or residents of, any country or territory that is the subject of comprehensive country-wide or territory-wide sanctions (collectively, "Restricted Territories"). As of the effective date of these Terms, Restricted Territories include, but are not limited to: Cuba, Iran, North Korea, Syria, the Crimea region of Ukraine (including the Donetsk People's Republic and the Luhansk People's Republic), and any other country or territory designated as a Restricted Territory by Wealtii from time to time.
4.2
Jurisdiction Restrictions
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In addition to Restricted Territories, the Services may be unavailable or subject to restrictions in certain other jurisdictions due to regulatory requirements or local laws. These jurisdictions may include, but are not limited to: (a) jurisdictions where the operation of cryptocurrency or digital asset platforms is prohibited by law; (b) jurisdictions where Wealtii has not obtained required licenses or registrations; (c) jurisdictions where the provision of the Services would violate applicable financial regulations. Wealtii reserves the right to modify the list of restricted or unsupported jurisdictions at any time without prior notice.
4.3
VPN & Circumvention Prohibited
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The use of virtual private networks (VPNs), proxy servers, Tor, or any other technologies to circumvent geographical restrictions imposed by Wealtii is strictly prohibited. If we detect or suspect that you are accessing the Services from a Restricted Territory or attempting to circumvent geographical restrictions, we may immediately: (a) suspend or terminate your Account; (b) freeze any assets held in your Account; (c) report the activity to relevant authorities; and (d) take any other action we deem necessary or appropriate. You acknowledge that such circumvention may also constitute a violation of applicable laws in your jurisdiction, for which you bear sole responsibility.
4.4
Travel to Restricted Jurisdictions
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If you are a registered user and travel to a jurisdiction where the Services are restricted or prohibited, you are responsible for ensuring compliance with local laws. Wealtii may temporarily restrict your access to certain features of the Services based on your detected location. You agree not to access or use restricted features of the Services while physically present in a Restricted Territory, even if your Account was created in an unrestricted jurisdiction. Failure to comply with this provision may result in Account suspension or termination.
5.1
General Obligations
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As a User of the Services, you agree to: (a) comply with all applicable laws, regulations, and rules in connection with your use of the Services; (b) use the Services only for lawful purposes and in accordance with these Terms; (c) maintain the security and confidentiality of your Account credentials; (d) promptly report any security breaches or unauthorized access to your Account; (e) provide truthful and accurate information in all interactions with Wealtii; (f) cooperate with Wealtii in connection with any investigation or regulatory inquiry; and (g) not interfere with or disrupt the integrity, security, or performance of the Services.
5.2
Risk Acknowledgment
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You acknowledge and agree that: (a) cryptocurrency and digital asset investments involve significant risks, including the potential for substantial loss of your investment; (b) the value of digital assets and index fund units can fluctuate significantly and may decrease substantially; (c) past performance is not indicative of future results; (d) Wealtii does not provide investment advice, and any information provided on the Platform is for informational purposes only and should not be construed as financial, investment, tax, or legal advice; (e) you are solely responsible for your investment decisions and should seek professional advice before making any investment; (f) market conditions, regulatory changes, and technological failures can adversely affect the value of your investments; and (g) blockchain transactions are irreversible, and Wealtii cannot reverse or cancel confirmed transactions.
5.3
Tax Obligations
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You are solely responsible for determining and fulfilling all tax obligations arising from your use of the Services, including but not limited to: (a) reporting and paying all taxes, duties, and other governmental charges arising from your transactions on the Platform; (b) maintaining accurate records of all transactions for tax purposes; (c) filing all required tax returns and paying all applicable taxes in a timely manner; and (d) seeking professional tax advice as needed. Wealtii does not provide tax advice and is not responsible for determining your tax obligations. Wealtii may report certain transaction information to tax authorities as required by applicable law.
5.4
Network Security & Device Protection
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You are responsible for ensuring the security of any device, network, or system you use to access the Services. This includes, without limitation: (a) installing and maintaining up-to-date antivirus and anti-malware software; (b) using secure, encrypted internet connections; (c) not accessing the Services from public or unsecured Wi-Fi networks for sensitive operations; (d) keeping your operating system and browser software up to date; (e) not installing unauthorized or suspicious software on devices used to access the Services; and (f) not sharing devices used to access the Services with untrusted individuals. Wealtii shall not be liable for any losses arising from your failure to maintain adequate device and network security.
5.5
Communication & Notifications
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You agree to receive communications from Wealtii electronically, including via email, push notifications, in-platform messages, and other electronic means. You are responsible for regularly checking your email and the Platform for important notifications regarding your Account, transactions, security alerts, and changes to these Terms. You agree that all communications sent to you electronically satisfy any legal requirement that such communications be in writing. You must maintain a valid email address associated with your Account at all times and promptly update it if it changes.
6.1
Overview of Services
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Wealtii provides a technology platform that enables users to invest in curated cryptocurrency index funds. Our Services include, but are not limited to: (a) cryptocurrency index fund creation and management; (b) USDT (Tether) deposit and withdrawal services via our supported blockchain network; (c) index fund purchase and sale execution; (d) portfolio tracking and management tools; (e) real-time and historical market data; (f) account management and identity verification services; (g) customer support services; and (h) educational content and resources related to cryptocurrency investing.
6.2
Index Fund Products
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Wealtii offers various cryptocurrency index fund products, each consisting of a curated basket of digital assets with predefined allocation weights. Index fund products are designed and managed by Wealtii and may be modified from time to time to reflect changes in market conditions, asset availability, or platform strategy. You acknowledge that: (a) index fund compositions and weights may change without prior notice; (b) the Net Asset Value (NAV) of index fund units is calculated based on real-time market prices and may fluctuate; (c) there may be a difference between the displayed NAV and the actual execution price at the time of transaction; (d) certain index fund products may have minimum or maximum investment requirements; and (e) past performance of any index fund is not a guarantee of future returns.
6.3
Custody & Asset Security
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Wealtii utilizes multi-signature wallet technology for the custody of digital assets. User deposits are securely transferred to our multi-signature vault for safekeeping. You acknowledge and agree that: (a) Wealtii maintains custody of digital assets on your behalf; (b) your investment is represented as fund units in your portfolio, not as direct ownership of underlying digital assets; (c) Wealtii employs industry-standard security measures, including multi-signature authorization, to protect custodied assets; (d) despite security measures, no system is entirely immune to risks, including but not limited to hacking, smart contract vulnerabilities, and operational failures; and (e) Wealtii does not guarantee the security of any digital assets and shall not be liable for losses resulting from security breaches beyond its reasonable control.
6.4
Blockchain Network & Transactions
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The Services operate on our supported blockchain network. You acknowledge that: (a) blockchain transactions require network fees (gas fees) which may vary based on network congestion; (b) transactions are subject to blockchain confirmation times and may not be instant; (c) Wealtii is not responsible for delays or failures caused by blockchain network congestion, forks, or outages; (d) blockchain transactions are irreversible once confirmed and cannot be reversed or cancelled by Wealtii; (e) you must ensure the accuracy of all wallet addresses and transaction details before initiating a transaction; and (f) sending assets to incorrect addresses or incompatible networks may result in permanent loss of funds for which Wealtii bears no responsibility.
6.5
Service Availability
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Wealtii strives to provide continuous and uninterrupted access to the Services. However, Wealtii does not guarantee that the Services will be available at all times or without interruption. The Services may be temporarily unavailable due to: (a) scheduled maintenance and upgrades; (b) unscheduled emergency maintenance; (c) network or infrastructure failures; (d) regulatory requirements or legal obligations; (e) force majeure events; or (f) any other circumstances beyond Wealtii's reasonable control. Wealtii will endeavor to provide advance notice of scheduled maintenance but is not obligated to do so. You agree that Wealtii shall not be liable for any losses, damages, or inconvenience caused by any temporary unavailability of the Services.
6.6
Transaction Processing
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Wealtii processes certain transactions (including purchases, sales, and withdrawals) through a managed processing system designed for operational efficiency and cost optimization. You acknowledge and agree that: (a) transactions may not be processed immediately and may be queued for processing; (b) the execution price of your transaction may differ from the price displayed at the time of order placement; (c) processing cycles occur at regular intervals determined by Wealtii; (d) you may cancel a pending transaction before it enters the processing queue, subject to the Platform's cancellation policies; and (e) Wealtii reserves the right to modify processing schedules and procedures without prior notice.
7.1
Order Types
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The Platform supports the following order types: (a) Market Orders: Orders to buy or sell index fund units at the current market price, executed during the next processing cycle; (b) Limit Orders: Orders to buy or sell index fund units when the fund's NAV reaches a specified price threshold, which remain active until executed, cancelled, or expired; and (c) such other order types as Wealtii may introduce from time to time. You acknowledge that all orders are subject to the Platform's execution policies and that execution is not guaranteed for any order type.
7.2
Order Execution
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You acknowledge and agree that: (a) all orders are executed on a best-effort basis; (b) the execution price may differ from the quoted or displayed price at the time of order placement due to market volatility, processing delays, or other factors (known as "slippage"); (c) Wealtii does not guarantee the execution of any order; (d) orders may be partially filled or unfilled depending on market conditions and available liquidity; (e) Wealtii reserves the right to reject, cancel, or modify any order if it determines, in its sole discretion, that the order may violate these Terms, applicable laws, or the integrity of the Platform; and (f) Wealtii acts as principal (not agent) in executing transactions and may profit from the spread between buy and sell prices.
7.3
Deposits & Fund Purchases
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To purchase index fund units, you must first deposit USDT to your Wealtii account by sending USDT to your unique deposit address on our supported blockchain network. The deposit process works as follows: (a) a unique deposit wallet address is generated for each deposit request; (b) you must send the exact USDT amount specified within the deposit window timeframe; (c) deposits are detected and confirmed after the required number of blockchain confirmations; (d) confirmed deposits are securely transferred to our multi-signature vault; (e) USDT is credited to your platform balance after successful processing; and (f) you may then use your USDT balance to purchase index fund units. You must only send USDT to the provided deposit address using the supported network. Sending any other token or using an unsupported network may result in permanent loss of funds.
7.4
Fund Sales & Withdrawals
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To sell index fund units and withdraw USDT: (a) you may initiate a sell order specifying the percentage or amount of fund units to sell; (b) sell orders are processed during the next processing cycle; (c) upon successful execution, the USDT proceeds (minus applicable fees) are credited to your platform balance; (d) you may then initiate a withdrawal to transfer USDT to your external wallet address; (e) withdrawal requests are processed through the multi-signature authorization system; (f) withdrawals are subject to minimum withdrawal amounts, daily limits, and processing times; and (g) Wealtii may impose additional verification requirements for large withdrawals. You are solely responsible for providing accurate withdrawal addresses, and Wealtii shall not be liable for losses caused by incorrect withdrawal addresses.
7.5
Transaction Finality
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All completed transactions on the Platform are final and irreversible unless otherwise specified by Wealtii. Once a transaction has been confirmed and processed, it cannot be reversed, cancelled, or modified. This includes, without limitation: (a) completed purchases of index fund units; (b) completed sales of index fund units; (c) completed USDT withdrawals; and (d) any fees or charges debited from your Account. You agree to carefully review all transaction details before confirming any transaction on the Platform.
7.6
Market Disruption & Circuit Breakers
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Wealtii reserves the right to implement circuit breakers, trading halts, or other protective measures in the event of: (a) extreme market volatility; (b) suspected market manipulation; (c) technical issues or system failures; (d) abnormal trading activity; (e) regulatory directives; or (f) any other circumstances that Wealtii reasonably determines may pose a risk to users or the integrity of the Platform. During such events, certain features of the Services, including trading, deposits, and withdrawals, may be temporarily suspended without prior notice. Wealtii shall not be liable for any losses resulting from such protective measures.
8.1
General Fee Policy
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Wealtii charges fees for certain Services provided on the Platform. All applicable fees are disclosed on the Platform's Fee Schedule page and may be updated from time to time. By using the Services, you agree to pay all applicable fees as described herein and as displayed on the Platform at the time of the transaction. Wealtii reserves the right to modify its fee structure at any time, provided that changes to the fee structure shall be communicated to users in advance through the Platform or via email notification.
8.2
Transaction Fees
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The following transaction fees apply to Services on the Platform:
• Purchase Fee: A flat 0.75% fee applied to each index fund purchase transaction, calculated on the total purchase amount in USDT. This fee is all-inclusive and covers all platform fees, network (gas) fees, and operational costs. No additional or hidden fees apply.
• Sale Fee: A flat 0.75% fee applied to each index fund sale transaction, calculated on the total sale proceeds in USDT. This fee is all-inclusive and covers all platform fees, network (gas) fees, and operational costs. No additional or hidden fees apply.
• Withdrawal Fee: A flat 0.75% fee applied to each USDT withdrawal, capped at a maximum of $25 USD per withdrawal. This fee is all-inclusive and covers all blockchain network (gas) fees, processing fees, and operational costs. No additional or hidden fees apply.
All fees are deducted automatically from the transaction amount or your Account balance at the time of the transaction. Fee amounts are clearly displayed and require your confirmation before the transaction is executed. There are no separate network fees, gas fees, or platform fees - each fee listed above is fully inclusive of all costs.
8.3
Verification Level Fee Discounts
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Wealtii currently offers a simple, transparent, and uniform fee structure across all verification levels. All users pay the same flat 0.75% fee for purchases, sales, and withdrawals (with the withdrawal fee capped at $25 USD). Wealtii reserves the right to introduce tiered fee structures, loyalty discounts, or promotional fee offers in the future. Any changes to the fee structure will be communicated to users in advance through the Platform or via email notification, and the updated fee schedule will be clearly displayed before transaction confirmation.
8.4
No Hidden Fees
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Wealtii is committed to fee transparency. We do not charge any hidden fees beyond those explicitly disclosed on the Platform. All applicable fees are displayed before transaction confirmation, and you will have the opportunity to review and accept the total fee amount before proceeding with any transaction. If you have any questions about fees, please contact our customer support team at support@wealtii.com.
8.5
Fee Disputes
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If you believe that a fee has been incorrectly charged, you must notify Wealtii within thirty (30) days of the transaction date by submitting a support ticket through the Platform or contacting support@wealtii.com. Wealtii will investigate the dispute and, if the fee was incorrectly charged, will credit the appropriate amount back to your Account. Fee disputes submitted after the thirty (30) day period may not be eligible for review or refund.
9.1
General Prohibitions
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You agree not to use the Services, directly or indirectly, for any illegal, unauthorized, or improper purpose. Without limiting the generality of the foregoing, you agree not to: (a) violate any applicable law, regulation, or rule; (b) infringe upon the rights of any third party, including intellectual property, privacy, or publicity rights; (c) engage in any activity that could damage, disable, overburden, or impair the Services or interfere with any other party's use of the Services; (d) attempt to gain unauthorized access to the Services, other user accounts, or any computer systems or networks connected to the Services; (e) transmit any viruses, malware, spyware, or other harmful code; (f) collect, harvest, or store personal information of other users without their consent; (g) use any automated means (bots, scrapers, crawlers) to access or interact with the Services without Wealtii's express written consent; or (h) engage in any conduct that is harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, or otherwise objectionable.
9.2
Financial Crime Prohibitions
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You shall not use the Services in connection with any financial crime, including but not limited to: (a) money laundering or attempted money laundering; (b) terrorist financing or support for terrorist organizations; (c) tax evasion or tax fraud; (d) fraud, including investment fraud, identity fraud, and wire fraud; (e) bribery or corruption; (f) sanctions violations; (g) insider trading or front-running; (h) market manipulation, including wash trading, spoofing, layering, or pump-and-dump schemes; (i) embezzlement or misappropriation of funds; (j) counterfeiting or forgery; (k) trafficking in stolen property or proceeds of crime; or (l) any other financial crime as defined by applicable law. Wealtii cooperates with law enforcement agencies and regulatory authorities and will report suspicious activity as required by law.
9.3
Market Manipulation
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The following market manipulation activities are strictly prohibited on the Platform: (a) Wash Trading: simultaneously buying and selling the same asset or fund units to create a misleading impression of market activity; (b) Spoofing: placing orders with the intent to cancel before execution to manipulate prices; (c) Layering: placing multiple orders at different price levels with the intent to create a false impression of supply or demand; (d) Front-Running: trading based on advance knowledge of pending orders or material non-public information; (e) Pump and Dump: artificially inflating the price of an asset through coordinated buying and then selling at the inflated price; (f) any other form of market manipulation as determined by Wealtii in its sole discretion. Violation of this section will result in immediate account termination and may be reported to relevant authorities.
9.4
Technical Abuse
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You shall not: (a) reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Platform; (b) modify, adapt, or create derivative works based on the Platform; (c) exploit any bugs, vulnerabilities, or weaknesses in the Platform's software or systems; (d) attempt to circumvent any security measures, access controls, or usage limits; (e) inject malicious code or attempt any form of code injection or exploitation; (f) conduct penetration testing, vulnerability scanning, or security auditing of the Platform without Wealtii's express written consent; or (g) engage in any activity that could compromise the security, integrity, or availability of the Platform.
9.5
Consequences of Violations
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If Wealtii determines, in its sole discretion, that you have engaged in any prohibited activity, Wealtii may, without prior notice and in addition to any other remedies available: (a) issue a warning to your Account; (b) temporarily suspend your Account; (c) permanently terminate your Account; (d) freeze or confiscate any assets held in your Account; (e) report the activity to relevant law enforcement agencies and regulatory authorities; (f) pursue civil or criminal legal action against you; (g) cooperate with law enforcement investigations, including providing any information or records related to your Account; and (h) take any other action that Wealtii deems necessary to protect itself, its users, or the integrity of the Platform.
10.1
Ownership
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The Services, including all content, features, functionality, software, code, databases, user interfaces, designs, trademarks, service marks, trade names, logos, and other intellectual property displayed on or through the Platform (collectively, "Wealtii IP"), are owned by Wealtii, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The Wealtii name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Wealtii or its affiliates or licensors. You must not use such marks without the prior written permission of Wealtii.
10.2
Limited License
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Subject to your compliance with these Terms, Wealtii grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use. This license does not include: (a) any right to resell or make any commercial use of the Services or any content therein; (b) any right to collect, aggregate, copy, duplicate, display, or create derivative works from the Services or content; (c) any right to use data mining, robots, or similar data gathering or extraction tools; or (d) any use of the Services other than as expressly permitted herein. Any unauthorized use of the Services automatically terminates this license.
10.3
User Content
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By submitting, posting, or transmitting any content through the Services (including but not limited to KYC documents, support ticket communications, and feedback) ("User Content"), you grant Wealtii a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Services and Wealtii's business, including for purposes of identity verification, compliance, and dispute resolution. You represent and warrant that you own or have the necessary rights to grant this license and that your User Content does not infringe upon the rights of any third party.
10.4
Feedback
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If you provide Wealtii with any feedback, suggestions, recommendations, or other comments regarding the Services ("Feedback"), you hereby assign to Wealtii all rights, title, and interest in and to such Feedback. Wealtii shall be free to use, disclose, reproduce, license, and otherwise exploit the Feedback in any manner, without any obligation, royalty, or restriction based on intellectual property rights or otherwise. You agree that Wealtii has no obligation to use any Feedback and that you will not be entitled to any compensation for any Feedback provided.
10.5
DMCA & Copyright Claims
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Wealtii respects the intellectual property rights of others. If you believe that any content on the Platform infringes upon your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information: (a) a description of the copyrighted work that you claim has been infringed; (b) a description of where the material is located on the Platform; (c) your contact information; (d) a statement that you have a good faith belief that the use is not authorized; (e) a statement that the information is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner; and (f) your electronic or physical signature. Copyright claims should be directed to support@wealtii.com.
11.1
Disclaimer of Warranties
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THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WEALTII DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: (A) WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE; (B) WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE; (C) WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF ANY INFORMATION OR DATA PROVIDED THROUGH THE SERVICES; (D) WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; AND (E) WARRANTIES REGARDING THE VALUE, PERFORMANCE, OR OUTCOME OF ANY DIGITAL ASSET OR INDEX FUND INVESTMENT.
11.2
Limitation of Liability
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TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTII, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR: (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES; (B) ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ANTICIPATED SAVINGS; (C) ANY LOSS OR DAMAGE ARISING FROM YOUR RELIANCE ON INFORMATION PROVIDED THROUGH THE SERVICES; (D) ANY LOSS OR DAMAGE ARISING FROM UNAUTHORIZED ACCESS TO OR USE OF YOUR ACCOUNT; (E) ANY LOSS OR DAMAGE ARISING FROM BLOCKCHAIN NETWORK FAILURES, DELAYS, OR ERRORS; (F) ANY LOSS OR DAMAGE ARISING FROM MARKET FLUCTUATIONS OR CHANGES IN THE VALUE OF DIGITAL ASSETS; OR (G) ANY OTHER LOSS OR DAMAGE ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WEALTII HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.3
Maximum Liability Cap
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TO THE EXTENT PERMITTED BY APPLICABLE LAW, WEALTII'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT OF FEES PAID BY YOU TO WEALTII DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00). THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND REGARDLESS OF WHETHER SUCH DAMAGES ARE FORESEEABLE OR WHETHER WEALTII HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.4
Indemnification
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You agree to defend, indemnify, and hold harmless Wealtii, its affiliates, and their respective directors, officers, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorney fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Services; (c) your violation of any law, regulation, or third-party right; (d) any content you submit or transmit through the Services; (e) your negligence or willful misconduct; and (f) any dispute between you and any third party arising from your use of the Services. This indemnification obligation shall survive the termination of your Account and these Terms.
11.5
No Financial Advice Disclaimer
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Wealtii does not provide financial, investment, tax, legal, or other professional advice. Any information, data, analysis, charts, indicators, or other content provided through the Services is for informational and educational purposes only and should not be construed as financial advice or a recommendation to buy, sell, or hold any digital asset or index fund. You should always conduct your own research and consult with qualified professional advisors before making any investment decisions. Wealtii shall not be liable for any investment losses incurred by you as a result of acting upon information provided through the Services.
12.1
Informal Resolution
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Before initiating any formal dispute resolution proceeding, you agree to first contact Wealtii to attempt to resolve the dispute informally. You may contact us by submitting a support ticket through the Platform or by sending an email to support@wealtii.com with the subject line "Dispute Resolution Request." Wealtii will endeavor to resolve the dispute within thirty (30) business days of receiving your request. If the dispute cannot be resolved informally within this period, either party may proceed with formal dispute resolution as described below.
12.2
Binding Arbitration
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Any dispute, controversy, or claim arising out of or relating to these Terms, the Services, or the relationship between you and Wealtii that cannot be resolved through informal resolution shall be finally resolved by binding arbitration in accordance with the arbitration rules of the International Chamber of Commerce (ICC) or such other internationally recognized arbitration institution as agreed upon by the parties. The arbitration shall be conducted: (a) by a single arbitrator appointed in accordance with the applicable arbitration rules; (b) in the English language; (c) at a location determined by the arbitrator; and (d) the arbitrator's decision shall be final and binding and may be enforced in any court of competent jurisdiction. Each party shall bear its own costs and expenses in connection with the arbitration, and the costs of the arbitrator and the arbitration proceedings shall be shared equally unless the arbitrator determines otherwise.
12.3
Class Action Waiver
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TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND WEALTII AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND WEALTII EACH WAIVE ANY RIGHT TO A JURY TRIAL. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING.
12.4
Exceptions to Arbitration
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Notwithstanding the foregoing, the following claims are exempt from the arbitration requirement: (a) claims seeking injunctive or other equitable relief to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights; (b) claims that are required by applicable law to be brought in a specific forum or through a specific process; and (c) small claims court actions, provided that the claim qualifies for small claims court jurisdiction and is filed in a court of competent jurisdiction. Either party may seek emergency or provisional relief from a court of competent jurisdiction pending the outcome of arbitration.
12.5
Statute of Limitations
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You agree that any claim or cause of action arising out of or related to these Terms or the Services must be filed within one (1) year after the claim or cause of action arose. Failure to file within this one-year period shall result in the permanent barring of such claim or cause of action, regardless of any contrary statute of limitations that might otherwise apply. This limitation period does not apply to claims that, by applicable law, cannot be subject to a shortened limitation period.
13.1
Termination by User
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You may terminate your Account at any time by: (a) withdrawing all assets from your Account; (b) submitting an account closure request through the Platform's settings page or by contacting customer support; and (c) confirming the closure of your Account. Upon termination, you must withdraw any remaining USDT balance within thirty (30) days. Any assets remaining in your Account after the thirty (30) day period may be subject to applicable fees and may be handled in accordance with applicable unclaimed property laws. Account closure does not relieve you of any obligations or liabilities incurred prior to closure, including outstanding fees, pending transactions, and compliance requirements.
13.2
Termination by Wealtii
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Wealtii may suspend, restrict, or terminate your Account and access to the Services, in whole or in part, at any time and for any reason, including but not limited to: (a) violation of these Terms or any applicable law; (b) suspected fraudulent, abusive, or illegal activity; (c) failure to complete required verification or provide requested information; (d) prolonged period of inactivity; (e) request by law enforcement or other government agencies; (f) unexpected technical or security issues; (g) extended periods of Platform inactivity by the user; or (h) Wealtii's decision to discontinue all or part of the Services. Wealtii will endeavor to provide reasonable notice before termination, except where immediate action is necessary to protect Wealtii, its users, or the integrity of the Platform.
13.3
Effects of Termination
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Upon termination of your Account: (a) your right to access and use the Services shall immediately cease; (b) any pending orders or transactions may be cancelled; (c) you must withdraw any remaining assets within the specified period; (d) Wealtii may retain your information as required by applicable law, regulation, or for legitimate business purposes; (e) all provisions of these Terms that by their nature should survive termination shall survive, including but not limited to: Intellectual Property Rights, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law; and (f) Wealtii shall not be liable to you or any third party for any termination of your access to the Services.
13.4
Data Retention After Termination
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Following account termination, Wealtii will retain your personal data and transaction records for the periods required by applicable law, including but not limited to: (a) financial transaction records: retained for a minimum of five (5) years from the date of the transaction, or longer if required by applicable law; (b) KYC/AML verification records: retained for a minimum of five (5) years from the date of account closure; (c) communication records: retained for a minimum of three (3) years; and (d) any other records required to be retained by applicable law or regulation. After the applicable retention period, your data will be securely deleted or anonymized in accordance with our Privacy Policy.
14.1
Force Majeure Events
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Wealtii shall not be liable for any delay or failure to perform its obligations under these Terms if such delay or failure results from circumstances beyond its reasonable control ("Force Majeure Events"). Force Majeure Events include, without limitation: (a) natural disasters (earthquakes, floods, hurricanes, tsunamis, volcanic eruptions, etc.); (b) acts of war, terrorism, sabotage, armed conflict, or civil unrest; (c) epidemics, pandemics, or public health emergencies; (d) government actions, sanctions, embargoes, blockades, or trade restrictions; (e) changes in law, regulation, or government policy; (f) strikes, labor disputes, or work stoppages; (g) power outages, telecommunications failures, or internet disruptions; (h) cyberattacks, hacking incidents, or denial-of-service attacks; (i) blockchain network failures, forks, or protocol changes; (j) failures of third-party service providers, including but not limited to cloud hosting providers, data centers, and payment processors; and (k) any other event or circumstance beyond Wealtii's reasonable control.
14.2
Notice & Mitigation
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In the event of a Force Majeure Event, Wealtii shall: (a) promptly notify users of the event and its expected impact on the Services through available communication channels; (b) use reasonable efforts to mitigate the effects of the Force Majeure Event; (c) resume performance of its obligations as soon as reasonably practicable after the Force Majeure Event ceases or abates; and (d) keep users informed of the status and expected resolution timeline. The obligation to perform under these Terms shall be suspended for the duration of the Force Majeure Event, and the time for performance shall be extended by a period equal to the duration of the Force Majeure Event.
14.3
Prolonged Force Majeure
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If a Force Majeure Event continues for more than ninety (90) consecutive days, either party may terminate these Terms by providing written notice to the other party. In such event, Wealtii will use reasonable efforts to facilitate the withdrawal of any assets held in user Accounts, subject to applicable legal and regulatory requirements. Neither party shall be liable to the other for any damages resulting from such termination.
15.1
Governing Law
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These Terms and any disputes arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the jurisdiction from which Wealtii primarily operates, without regard to its conflict of laws principles. As the Platform is in its early operational stage, the governing jurisdiction may be updated once a formal legal entity is established. The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.
15.2
Jurisdiction
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Subject to the arbitration provisions set forth in Section 12, any legal action or proceeding arising out of or relating to these Terms or the Services that is not subject to arbitration shall be brought exclusively in the courts of competent jurisdiction in the jurisdiction from which Wealtii primarily operates. You consent to the exclusive jurisdiction of such courts and waive any objection to the exercise of jurisdiction over you by such courts and any objection to venue in such courts, including any objection based on the doctrine of forum non conveniens.
15.3
Regulatory Compliance
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Wealtii is committed to operating in good faith and in compliance with applicable laws and regulations. As an early-stage platform, Wealtii is actively working toward obtaining formal regulatory registrations and licenses as required by applicable jurisdictions. In the interim, Wealtii voluntarily implements the following best practices: (a) Anti-Money Laundering (AML) and Know Your Customer (KYC) identity verification procedures; (b) data protection and privacy practices consistent with industry standards; (c) transparent fee disclosure and fair trading practices; (d) user fund security through multi-signature wallet technology; (e) cooperation with law enforcement and regulatory authorities upon valid request; and (f) ongoing monitoring of regulatory developments affecting digital asset platforms. Users acknowledge that Wealtii is in the process of formalizing its regulatory status and that certain registrations and licenses may be pending or in progress. Wealtii will update these Terms to reflect any material changes in its regulatory status.
15.4
Severability
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If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, such provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms, which shall continue in full force and effect.
15.5
Waiver
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No waiver by Wealtii of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by Wealtii to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. All waivers must be in writing and signed by an authorized representative of Wealtii to be effective.
15.6
Entire Agreement
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These Terms, together with the Privacy Policy, Cookie Policy, AML Policy, Risk Disclosure Statement, Fee Schedule, and any other documents incorporated by reference, constitute the entire agreement between you and Wealtii relating to the Services and supersede all prior and contemporaneous agreements, understandings, representations, and warranties, both written and oral, regarding the Services. No oral statements or written material not specifically incorporated herein shall be of any force and effect.
15.7
Assignment
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You may not assign, transfer, or delegate any of your rights or obligations under these Terms without Wealtii's prior written consent. Wealtii may assign, transfer, or delegate any of its rights or obligations under these Terms, in whole or in part, without your consent and without notice: (a) to any affiliate or subsidiary; (b) in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets; or (c) to any successor in interest. These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
16.1
Right to Modify
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Wealtii reserves the right to modify, amend, or replace these Terms at any time in its sole discretion. When we make changes, we will update the "Last Updated" date at the top of these Terms and, for material changes, we will provide notice through one or more of the following methods: (a) posting a prominent notice on the Platform; (b) sending an email notification to the email address associated with your Account; (c) sending an in-platform notification; or (d) any other method we deem appropriate under the circumstances. It is your responsibility to review these Terms periodically for any changes.
16.2
Acceptance of Modified Terms
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Your continued use of the Services after the effective date of any modification to these Terms constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must immediately stop using the Services and close your Account. For material changes that significantly affect your rights or obligations, Wealtii will provide a minimum of thirty (30) days' notice before the changes take effect, unless immediate changes are required by law, regulation, or to protect the security or integrity of the Platform.
16.3
Version History
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Wealtii maintains a version history of these Terms, including the date each version became effective and a summary of material changes made in each version. Previous versions of these Terms may be requested by contacting support@wealtii.com. The current version of these Terms supersedes all previous versions and is the only version that governs your use of the Services.
17.1
General Inquiries
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For general questions about these Terms or the Services, please contact us through: (a) In-Platform Support: Submit a support ticket through the Platform's Support section; (b) Email: support@wealtii.com. Our customer support team is available to assist you during regular business hours and will endeavor to respond to inquiries within 48 hours.
17.2
Legal & Compliance
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For legal inquiries, compliance matters, regulatory correspondence, or formal notices under these Terms, please contact: (a) Legal Department: support@wealtii.com; (b) Compliance Department: support@wealtii.com. All formal legal notices must be sent in writing and will be deemed received upon confirmed delivery. Wealtii will respond to legal inquiries within a reasonable timeframe.
17.3
Data Protection Officer
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For inquiries related to the processing of your personal data, data protection rights, or to exercise your rights under applicable data protection laws (including the right to access, correct, delete, or port your data), please contact our Data Protection Officer (DPO) at: support@wealtii.com. We will respond to data protection inquiries within thirty (30) days of receipt, or within the timeframe required by applicable law.
17.4
Security Reports
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If you discover a security vulnerability or bug in the Platform, we encourage you to report it responsibly. Please send security reports to: support@wealtii.com. Do not publicly disclose any vulnerability until we have had a reasonable opportunity to investigate and address it. Wealtii values responsible disclosure and appreciates users who help us improve platform security. Please include: (a) a detailed description of the vulnerability; (b) steps to reproduce; (c) potential impact assessment; and (d) any suggested remediation.
17.5
Regulatory Authorities
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If you are unsatisfied with Wealtii's response to a complaint, you may have the right to escalate the matter to the relevant regulatory authority in your jurisdiction. Wealtii is committed to resolving all disputes fairly and transparently, and we encourage you to contact us first before escalating to regulatory authorities. Information about your right to file complaints with regulatory authorities is available in our Complaints Policy, accessible through the Platform's Help Center.
18.1
Personal Data Collection
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Wealtii collects and processes personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable. The types of personal data we collect include, but are not limited to: (a) Identity Data: full legal name, date of birth, nationality, government-issued identification numbers, photographs, and selfie images; (b) Contact Data: email address, telephone number, postal address, and country of residence; (c) Financial Data: wallet addresses, transaction history, portfolio holdings, deposit and withdrawal records, and source of funds information; (d) Technical Data: IP address, browser type and version, operating system, device identifiers, login timestamps, page interaction data, and session duration; (e) Verification Data: KYC documents, proof of address documents, source of wealth declarations, and biometric data used for identity verification; and (f) Communication Data: support ticket contents, in-platform messages, email correspondence, and feedback submissions.
18.2
Legal Bases for Processing
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Wealtii processes your personal data on the following legal bases: (a) Contractual Necessity: processing necessary for the performance of our contract with you, including account creation, transaction execution, and service delivery; (b) Legal Obligation: processing necessary to comply with applicable laws and regulations, including AML/CTF requirements, tax reporting obligations, and regulatory requests; (c) Legitimate Interests: processing necessary for our legitimate business interests, including fraud prevention, security monitoring, service improvement, and direct marketing (where applicable); (d) Consent: processing based on your explicit consent, such as for marketing communications, cookie tracking, and optional data sharing; and (e) Vital Interests: processing necessary to protect the vital interests of you or another natural person, such as in emergency situations. You have the right to withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
18.3
Data Subject Rights
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Under applicable data protection laws, you have the following rights regarding your personal data:
• Right of Access: You have the right to request confirmation of whether we process your personal data and, if so, to request a copy of such data along with information about how it is processed.
• Right to Rectification: You have the right to request correction of inaccurate personal data and completion of incomplete personal data.
• Right to Erasure: You have the right to request deletion of your personal data in certain circumstances, subject to legal retention requirements.
• Right to Restriction: You have the right to request restriction of processing in certain circumstances, such as when you contest the accuracy of your data.
• Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit such data to another controller.
• Right to Object: You have the right to object to processing based on legitimate interests or for direct marketing purposes.
• Right Not to be Subject to Automated Decision-Making: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects or similarly significantly affects you.
To exercise any of these rights, please contact our Data Protection Officer at support@wealtii.com. We will respond to your request within thirty (30) days or the timeframe required by applicable law.
18.4
International Data Transfers
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Wealtii may transfer your personal data to countries outside of your jurisdiction of residence, including countries that may not provide the same level of data protection as your home jurisdiction. When we transfer personal data internationally, we ensure appropriate safeguards are in place, including: (a) transfers to countries recognized as providing an adequate level of data protection; (b) Standard Contractual Clauses (SCCs) approved by relevant data protection authorities; (c) binding corporate rules; or (d) your explicit consent to the transfer. By using the Services, you acknowledge and agree that your personal data may be processed in countries other than your country of residence.
18.5
Cookies & Tracking Technologies
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Wealtii uses cookies and similar tracking technologies (including local storage, session storage, and web beacons) to: (a) enable essential Platform functionality and maintain session state; (b) remember your preferences and settings; (c) analyze Platform usage and performance; (d) detect and prevent fraud and security threats; and (e) provide personalized content and features. We categorize cookies as: (i) Strictly Necessary Cookies: required for Platform operation and cannot be disabled; (ii) Functional Cookies: enhance your experience by remembering preferences; (iii) Analytics Cookies: help us understand how the Platform is used; and (iv) Security Cookies: assist in fraud detection and prevention. You can manage cookie preferences through your browser settings. Disabling certain cookies may affect Platform functionality. For more information, please refer to our Cookie Policy.
18.6
Data Breach Notification
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In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, Wealtii will: (a) notify the relevant supervisory authority within seventy-two (72) hours of becoming aware of the breach, where feasible; (b) notify affected individuals without undue delay if the breach is likely to result in a high risk to their rights and freedoms; (c) document the breach, including the facts relating to the breach, its effects, and the remedial action taken; and (d) take all reasonable measures to mitigate the effects of the breach and prevent future breaches. Notification to affected individuals will include: (i) the nature of the breach; (ii) the likely consequences; (iii) the measures taken or proposed to address the breach; and (iv) contact information for further inquiries.
18.7
Third-Party Data Processors
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Wealtii engages third-party service providers ("Data Processors") to assist with certain aspects of our Services. These Data Processors may include: (a) cloud hosting and infrastructure providers; (b) identity verification and KYC service providers; (c) blockchain analytics providers; (d) customer support tools; (e) email and communication services; (f) analytics and monitoring tools; and (g) legal and compliance advisors. All Data Processors are bound by data processing agreements that require them to: (i) process personal data only on our documented instructions; (ii) ensure confidentiality; (iii) implement appropriate technical and organizational security measures; (iv) assist us in fulfilling data subject rights requests; (v) delete or return personal data upon termination of services; and (vi) submit to audits and inspections.
19.1
Market Risk
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The value of cryptocurrencies and digital assets is highly volatile and unpredictable. The prices of digital assets can fluctuate significantly over short periods of time due to a variety of factors, including but not limited to: (a) supply and demand dynamics in cryptocurrency markets; (b) regulatory announcements and changes in law; (c) technological developments and protocol changes; (d) market manipulation and speculative activity; (e) geopolitical events and macroeconomic conditions; (f) media coverage and public sentiment; (g) security breaches and hacking incidents at exchanges or projects; (h) changes in mining or staking economics; (i) listings or delistings of assets on major exchanges; and (j) actions of large holders ("whales"). You may lose all or a substantial portion of your investment. Past performance is not indicative of future results, and there is no guarantee that any investment strategy will be successful.
19.2
Liquidity Risk
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Cryptocurrency markets may experience periods of low liquidity, during which it may be difficult or impossible to sell your assets at a desired price or in a timely manner. Factors that may affect liquidity include: (a) overall market conditions and trading volumes; (b) the specific digital assets held in an index fund; (c) the time of day or day of the week; (d) exchange outages or technical issues; (e) regulatory actions that restrict trading; (f) extreme market events or "black swan" scenarios; and (g) the size of your position relative to available market depth. Wealtii does not guarantee that you will be able to sell your index fund units at any particular price or within any particular timeframe. Slippage may occur during periods of high volatility or low liquidity, resulting in an execution price that differs from the quoted price.
19.3
Technology & Smart Contract Risk
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The Platform and the underlying blockchain networks are complex technological systems that are subject to various risks, including but not limited to: (a) software bugs, errors, or vulnerabilities in the Platform's code; (b) smart contract vulnerabilities that could result in loss of funds; (c) blockchain network failures, forks, or consensus mechanism changes; (d) oracle failures or manipulation; (e) denial-of-service attacks or other cyberattacks; (f) key management failures; (g) hardware failures or data center outages; (h) cross-chain bridge vulnerabilities; (i) flash loan attacks or other DeFi-specific exploits; and (j) emerging attack vectors that are not currently known. While Wealtii employs industry-standard security measures and conducts regular security audits, no system can be guaranteed to be completely secure.
19.4
Regulatory & Legal Risk
🔗
The regulatory landscape for cryptocurrencies and digital assets is rapidly evolving and varies significantly across jurisdictions. Regulatory risks include: (a) changes in laws or regulations that may prohibit or restrict the use of the Services in your jurisdiction; (b) regulatory actions against Wealtii or its service providers that may affect the availability of the Services; (c) classification of certain digital assets as securities, which may require registration or licensing; (d) tax law changes that may affect the tax treatment of your transactions; (e) enforcement actions against cryptocurrency platforms or participants; (f) government bans or restrictions on cryptocurrency trading, mining, or ownership; (g) international sanctions that may restrict access to certain assets or services; and (h) changes in banking regulations that may affect Wealtii's ability to maintain banking relationships. Wealtii may be required to comply with new regulations, which may require changes to the Services, fee structures, or available features.
19.5
Counterparty & Custodial Risk
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By using the Services, you are entrusting Wealtii with the custody and management of digital assets on your behalf. Counterparty and custodial risks include: (a) the risk that Wealtii may become insolvent or unable to return your assets; (b) the risk that third-party service providers (such as wallet providers, exchanges, or custodians) may fail or be compromised; (c) the risk that counterparties in trades or transactions may default on their obligations; (d) the risk of commingling of assets; (e) the risk of operational errors in asset management; and (f) the risk that insurance coverage (if any) may be insufficient to cover all losses. While Wealtii uses multi-signature wallets and follows industry best practices for asset custody, you should be aware that the loss of custodied assets is a possibility.
19.6
Index Fund Specific Risks
🔗
In addition to general cryptocurrency risks, investing in Wealtii index funds carries the following specific risks: (a) Tracking Error: the performance of an index fund may deviate from the performance of its underlying assets due to fees, execution timing, or operational factors; (b) Concentration Risk: certain index funds may have significant exposure to a small number of assets, increasing portfolio risk; (c) Delistings: one or more assets in an index fund may be delisted or become unavailable, requiring changes to the fund composition; (d) Valuation Risk: the net asset value (NAV) of index fund units is based on market prices that may not reflect fair value during periods of extreme volatility or illiquidity; (e) Minimum Investment Requirements: certain index funds may have minimum investment thresholds that limit diversification; and (f) Management Risk: the performance of index funds depends on the quality of Wealtii's index management strategies.
19.7
Operational Risk
🔗
Operational risks are inherent in the operation of any financial platform and include: (a) system failures, downtime, or degraded performance; (b) human errors by Wealtii staff or contractors; (c) failures in internal processes, procedures, or controls; (d) dependency on third-party infrastructure and services (cloud providers, blockchain nodes, etc.); (e) communication failures between systems or with users; (f) inadequate disaster recovery or business continuity planning; (g) key person risk (dependency on specific individuals); (h) vendor lock-in or vendor failure risks; (i) data loss or corruption; and (j) compliance failures or regulatory misinterpretation. Wealtii maintains business continuity and disaster recovery plans, but cannot guarantee that all operational risks will be effectively mitigated.
20.1
AML Program Overview
🔗
Wealtii voluntarily maintains Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) compliance practices designed to prevent the use of the Platform for money laundering, terrorism financing, or other financial crimes. As an early-stage platform working toward formal regulatory registration, our AML practices include: (a) Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) procedures through our KYC verification system; (b) transaction monitoring and suspicious activity detection; (c) sanctions screening against applicable sanctions lists; (d) risk-based assessment of customers and transactions; (e) record-keeping and data retention consistent with industry standards; (f) cooperation with law enforcement upon valid request; and (g) ongoing development and improvement of compliance procedures as the platform matures. Wealtii is committed to formalizing these practices through appropriate regulatory registration as the platform grows.
20.2
Customer Due Diligence
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As part of our AML compliance program, Wealtii conducts Customer Due Diligence (CDD) on all users, which includes: (a) verifying your identity through government-issued identification documents; (b) verifying your residential address through utility bills, bank statements, or government correspondence; (c) screening your name against international sanctions lists (OFAC, EU, UN, etc.); (d) assessing your risk profile based on factors including jurisdiction of residence, transaction patterns, and source of funds; (e) conducting ongoing monitoring of your account activity; and (f) performing Enhanced Due Diligence (EDD) for high-risk customers, which may include additional documentation requirements such as source of wealth declarations, bank references, or proof of business activities. You agree to cooperate fully with all CDD and EDD requests and to provide accurate and complete information.
20.3
Transaction Monitoring
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Wealtii employs automated and manual transaction monitoring systems to detect and investigate suspicious activity on the Platform. Transaction monitoring includes, but is not limited to: (a) monitoring for unusual transaction patterns or volumes; (b) detecting transactions involving known high-risk addresses or entities; (c) flagging transactions that exceed specified thresholds; (d) analyzing blockchain transaction patterns for potential mixing, tumbling, or obfuscation activities; (e) monitoring for rapid movement of funds through the Platform ("pass-through" activity); (f) detecting potential structuring or layering of transactions; (g) screening transactions against known dark web marketplace addresses; and (h) identifying transactions with sanctioned jurisdictions or persons. If suspicious activity is detected, Wealtii may: (i) temporarily freeze your Account; (ii) request additional information or documentation; (iii) file Suspicious Activity Reports (SARs) with relevant authorities; or (iv) close your Account.
20.4
Travel Rule Compliance
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Wealtii complies with the Financial Action Task Force (FATF) Travel Rule, which requires the collection and transmission of originator and beneficiary information for certain transactions. When you initiate or receive a transaction that triggers Travel Rule requirements, Wealtii may: (a) collect additional information about you as the originator or beneficiary of the transaction; (b) request information about the counterparty financial institution; (c) share required information with the counterparty financial institution in compliance with applicable privacy and data protection laws; (d) delay or reject transactions where required information cannot be obtained or verified; and (e) maintain records of Travel Rule-compliant transactions. You agree to provide all information necessary for Travel Rule compliance promptly and accurately.
20.5
Politically Exposed Persons (PEPs)
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Wealtii applies enhanced scrutiny to accounts associated with Politically Exposed Persons (PEPs), their family members, and close associates. A PEP is defined as an individual who is or has been entrusted with a prominent public function, including but not limited to: heads of state, senior government officials, senior judicial or military officials, senior executives of state-owned enterprises, and important political party officials. If you are or become a PEP during your use of the Services, you must: (a) disclose your PEP status during registration or promptly upon attaining PEP status; (b) provide additional documentation regarding your source of funds and source of wealth; (c) cooperate with enhanced monitoring of your account; and (d) acknowledge that your transactions may be subject to additional scrutiny and potential delays.
21.1
Consent to Electronic Communications
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By creating an Account and using the Services, you consent to receive all communications from Wealtii in electronic form, including but not limited to: (a) these Terms and any amendments thereto; (b) Privacy Policy and other legal notices; (c) account-related notifications (deposits, withdrawals, trades, security alerts); (d) marketing and promotional communications (subject to your opt-out preferences); (e) regulatory and compliance notifications; (f) service announcements and platform updates; (g) customer support correspondence; and (h) tax-related documents and reports. Electronic communications may be delivered via email, in-platform notifications, push notifications, SMS, or other electronic means. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
21.2
Communication Preferences
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You may manage your communication preferences through the Platform's settings page. Preferences you can manage include: (a) marketing and promotional email opt-in/opt-out; (b) push notification preferences; (c) portfolio alert thresholds and frequency; (d) security alert preferences; (e) newsletter subscriptions; and (f) language preferences for communications. Please note that certain communications are required for the operation of your Account and cannot be opted out of, including: (i) security alerts (login attempts, password changes, 2FA changes); (ii) transaction confirmations; (iii) regulatory notices; (iv) Terms of Service updates; and (v) account status changes. Wealtii is not responsible for communications that are not received due to incorrect contact information, spam filters, or email service provider issues.
21.3
Email Security
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Wealtii will never ask you to provide your password, two-factor authentication codes, private keys, or seed phrases via email, phone, or any other communication channel. Any communication requesting such information should be considered fraudulent and reported to support@wealtii.com immediately. To help protect yourself from phishing and other email-based attacks: (a) always verify the sender's email address before acting on any communication; (b) do not click on suspicious links in emails purporting to be from Wealtii; (c) access the Platform by typing the URL directly in your browser rather than clicking email links; and (d) report suspicious emails to Wealtii immediately. Wealtii shall not be liable for any losses resulting from phishing attacks or other email-based fraud.
22.1
General Definitions
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The following terms shall have the meanings ascribed to them below when used in these Terms:
• "Account" means your registered user account on the Wealtii Platform, including all associated data, settings, and portfolio holdings.
• "AML" means Anti-Money Laundering, referring to laws, regulations, and procedures intended to prevent the generation of income through illegal actions.
• "Blockchain" means a distributed, decentralized, and immutable digital ledger technology that records transactions across a network of computers.
• "CTF" means Counter-Terrorism Financing, referring to efforts to detect and prevent the financing of terrorist activities.
• "Custodial Wallet" means a cryptocurrency wallet where a third party (such as Wealtii) holds and manages the private keys on behalf of the user.
• "DeFi" means Decentralized Finance, referring to financial services built on blockchain technology without traditional financial intermediaries.
22.2
Platform-Specific Definitions
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• "Deposit Address" means the unique blockchain wallet address generated by Wealtii for you to deposit USDT into your Account.
• "Fund Unit" means a unit of ownership in a Wealtii index fund, representing a proportional share of the fund's underlying assets.
• "Gas Fee" means the transaction fee paid to blockchain network validators for processing and confirming transactions on the blockchain.
• "Multi-Signature Wallet" means a secure digital vault used by Wealtii for custody of digital assets, requiring multiple authorized signers to approve transactions.
• "Index Fund" means a curated portfolio of cryptocurrency assets with predefined allocation weights, managed by Wealtii and offered as an investment product on the Platform.
• "KYC" means Know Your Customer, referring to the identity verification process required by Wealtii and applicable regulations to confirm the identity of users.
• "NAV" means Net Asset Value, the per-unit value of an index fund calculated by dividing the total value of the fund's assets by the number of outstanding fund units.
• "Platform" means the Wealtii website, web application, and all associated tools and services.
• "Portfolio" means the collection of index fund holdings in your Account, including the type, quantity, and value of fund units held.
22.3
Financial & Regulatory Definitions
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• "Slippage" means the difference between the expected price of a transaction and the actual execution price, typically caused by market volatility or low liquidity.
• "Spread" means the difference between the buy price and sell price of an asset or fund unit.
• "Stablecoin" means a cryptocurrency designed to maintain a stable value relative to a reference asset (such as the US Dollar), such as USDT (Tether).
• "USDT" means Tether (USDT), a stablecoin pegged to the US Dollar, used as the primary deposit, trading, and withdrawal currency on the Platform.
• "Two-Factor Authentication (2FA)" means a security method that requires two different forms of identification to access an account, typically a password and a time-based one-time password (TOTP).
• "OFAC" means the Office of Foreign Assets Control of the U.S. Department of the Treasury, which administers and enforces economic sanctions.
• "SDN List" means the Specially Designated Nationals and Blocked Persons list maintained by OFAC.
• "FATF" means the Financial Action Task Force, an intergovernmental organization that sets standards for combating money laundering and terrorist financing.
• "PEP" means Politically Exposed Person, an individual who holds or has held a prominent public function.
• "SAR" means Suspicious Activity Report, a document filed by financial institutions to report suspicious or potentially suspicious activity to regulatory authorities.
• "SCC" means Standard Contractual Clauses, standardized contractual terms approved by data protection authorities to govern international data transfers.
• "GDPR" means the General Data Protection Regulation, the European Union's comprehensive data protection regulation.
❓
Frequently Asked Questions
Common questions about our Terms of Service
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Related Legal Documents
Important documents you should review
📜Terms of Service
Complete terms governing your use of the Platform
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🔐Privacy Policy
How we collect, use, and protect your personal data
View document→
🏛️AML/KYC Policy
Anti-money laundering and identity verification
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⚠️Risk Disclosure
Comprehensive disclosure of investment risks
View document→
💰Fee Schedule
Complete breakdown of all applicable fees
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🗺️Platform Roadmap
Our future plans, upcoming features, and strategic direction
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🔍Transparency
How we ensure 1:1 asset backing and on-chain verifiability
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ℹ️About Us
Our mission, vision, and the team behind Wealtii
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⚙️How It Works
Step-by-step guide to using the Wealtii platform
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🛡️Security
How we protect your account, funds, and personal data
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📚Learn
Educational resources on crypto investing and index funds
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🖥️System Status
Real-time status of all platform services and infrastructure
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